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Specialty Insurance

The Hartford Steam Boiler Inspection and Insurance Company offers a range of specialty coverages designed to protect against a variety of risks.

  • Equipment Breakdown Insurance:  Covers the financial losses (property damage, business interruption, spoilage losses and more) that stem from accidents to equipment.
  • Computer Systems Coverage:  HSB Backup is a multi-peril insurance policy for computer systems that are vital to many businesses today.
  • Select Machinery Warranty Program: Backs warranties included with the sale of machinery by a machinery dealer to an end user.

HSB continues to be committed to developing new, innovative products and services to address the growing need for specialty coverages.  We offer many of these newer offerings through our partnerships with over 200 property-casualty insurers so that agents and brokers have the convenience of providing specialty coverages to clients as part of a package.


Equipment Breakdown Insurance

Equipment Breakdown insurance, sometimes referred to as boiler and machinery insurance, covers the costly physical and financial damage that can result from an equipment breakdown.  Equipment Breakdown insurance can pay for:

  • Direct Property Loss – the cost to repair or replace damaged equipment;
  • Lost business income and costs for temporary replacement equipment;
  • Other expenses incurred to limit the loss or speed restoration of operations;
  • The loss value of spoiled products or materials;
  • Business recovery expense.

You should pay particular attention to this specialty coverage because standard property forms typically exclude the very losses that equipment breakdown insurance is designed to cover:

  • Mechanical breakdown;
  • Electrical arcing;
  • Artificially generated electrical currents;
  • Centrifugal force;
  • Boiler overheating, cracking, bulging, sagging;
  • Bulging, cracking or collapse of pressure vessels, such as water heaters, compressed air tanks, steam cookers and kettles, expansion tanks and condensate return tanks.

Hartford Steam Boiler’s Equipment Breakdown insurance is among the broadest in the industry.  Not only do we offer a broader range of coverages, we insure many types of equipment that many other companies exclude.  Far from insuring just "boiler and machinery" we cover many kinds of equipment, including:

  • Boilers, pressure vessels, water heaters
  • Electrical distribution systems
  • Heating and cooling systems
  • Refrigeration (including lost refrigerant)
  • Production equipment
  • Office equipment
  • Computer technology
  • Communications systems, including phone and voice-mail systems
  • Security and fire detection systems
  • Ovens, stoves, furnaces
  • Elevators, escalators, cranes, hoists and lifts
  • Cash registers and inventory control systems
  • Diagnostic equipment
  • And more

HSB’s Equipment Breakdown policies offer more than just insurance. We provide services to help you meet local inspection requirements and get back into business if you do experience a breakdown. These include:

  • Jurisdictional inspections of boilers and pressure vessels, required by many states and municipalities are part of the policy.  Some insurance companies don’t include this service, or they charge extra for it.
  • Loss prevention services designed to help business owners improve equipment and maintenance programs to prevent losses that can impair production or service capabilities.
  • Claim service to help you restore business operations following a breakdown.

Computer Systems Coverage  

HSB Backup is a multi-peril insurance policy for computer systems.  This insurance is designed to cover business owners for property damage to computers, computerized equipment and media caused by: 

  • Fire  
  • Extended perils - lightning, windstorm, hail, smoke, etc.
  • Mechanical breakdown
  • Electrical arcing and electrical short-circuits  

Computer systems play a very important role in today’s business world.  A loss or breakdown of a system is not only costly, but can have a significant impact on a business’ ability to operate.  Optional coverage is available for: 

  • Business interruption
  • Software and data reconstruction costs
  • Extra expense to restore operations or to rent equipment
  • Theft
  • Duplicates / back up data and media stored off site
  • Off premises coverage for equipment while in transit  

Surge Suppression Requirement:  The Insured must have all of their computer equipment attached to an Underwriters Laboratories (UL) listed and Transient Voltage Surge Suppression “TVSS” inscribed power surge suppression device.   

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